Call reports 2008
NBT FINANCIAL BANK — 2008
What NBT FINANCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 129,974,000 | 133,300,000 | 137,447,000 | 132,602,000 |
| Total loans | 55,563,000 | 55,492,000 | 52,927,000 | 53,357,000 |
| Allowance for loan losses | 891,000 | 917,000 | 946,000 | 818,000 |
| Securities available for sale | 45,769,000 | 53,816,000 | 59,020,000 | 55,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,449,000 | 120,701,000 | 126,163,000 | 120,707,000 |
| Interest-bearing deposits | 74,539,000 | 82,268,000 | 87,938,000 | 83,731,000 |
| Noninterest-bearing deposits | 39,910,000 | 38,433,000 | 38,225,000 | 36,976,000 |
| Equity capital | 9,646,000 | 8,243,000 | 9,052,000 | 10,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,714,000 | 3,453,000 | 5,241,000 | 6,940,000 |
| Interest expense | 667,000 | 1,275,000 | 1,890,000 | 2,390,000 |
| Net interest income | 1,047,000 | 2,178,000 | 3,351,000 | 4,550,000 |
| Noninterest income | 383,000 | 772,000 | 1,150,000 | 1,495,000 |
| Noninterest expense | 1,145,000 | 2,304,000 | 3,428,000 | 4,619,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 278,000 | 594,000 | 976,000 | 1,285,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 278,000 | 594,000 | 976,000 | 1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,068,000 | 9,228,000 | 9,462,000 | 9,668,000 |
| Total capital | 9,945,000 | 10,145,000 | 10,348,000 | 10,486,000 |
| Risk-weighted assets | 70,785,000 | 73,375,000 | 70,803,000 | 67,440,000 |
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